Complaint / review text:
I have had a bank account with US Bank for about two years now and they were great in the beginning. But they have been getting worse that it has now boiled to a head. I have been using the cash advance account they set up for me because I have direct deposit. I have a $500 limit and I use it to assist with random bills. One of these was to pay my mediator as I am in the middle of trying to get custody of my daughter. When I used the account, it says that I have until the 28th of the following month to make the payment of approximately $440 which does not reflect upon my checking until that point. Well, I decided that I would like to wait so I called and told the bank that I would like to postpone the payment of this until the next check on the 8th. They said that they cannot do that as their system automatically pulls the money and the only thing that I could do is to cancel the direct deposit. I can bring the check in, cash it and the advance account balance will remain where it is until my next direct deposit.
So I have my work cancel the direct deposit which cost me $25. So when I checked my account the next morning, it shows that US Bank has now moved the amount due on the advance account to the checking and I am now -$492 in my account. When I called them, they told me to use my cash advance to bring myself even, which will cost me $50, because there is nothing that they can do for me. I asked to speak with the manager and was told that he was on vacation. I was told that he could call me back on Monday as the resolution specialist was laughing. So I sit here with -$492 in my checking because US Bank told me to cancel my direct deposit. They refused to just put the amount from the advance back where it was and leave the due date as the 28th. So either way, I am out money and US Bank refuses to help at all. They have insulted and laughed at me - very degrading and bad experience.